Where to find and change your payment method
You change your payment method inside the Klarna app or website, in your account settings. Open Klarna, tap the menu icon (three horizontal lines), then select "Payment methods" or "Saved payment methods" depending on which version you're using. From there you can add a new card, delete an old one, or set which card Klarna uses for your next purchase.
The exact wording varies slightly between the app and the web version, but both routes lead to the same place. If you're on the website, log in, go to your account settings, and look for "Payment methods" in the left sidebar. You'll see all cards you've saved to Klarna, along with which one is marked as your default.
You don't need to contact Klarna support to make this change. It takes about two minutes and you can do it any time, even in the middle of a purchase—though Klarna will ask you to confirm which card to use before it processes the order.
Key Takeaways
- You change your payment method through the Klarna app or website in your account settings under "Payment methods".
- You can add a new card, remove an old one, or change which card is your default without contacting support.
- If you change your payment method during checkout, Klarna will ask you to confirm before processing the order.
- Klarna stores your card information securely and does not charge you to add or remove payment methods.
Adding a new card to your Klarna account
When you add a card, Klarna will ask for the card number, expiration date, CVV (the three-digit security code on the back), and the cardholder's name and billing address. Have your card in front of you before you start. The process takes less than a minute once you have that information entered.
After you add the card, Klarna may run a small test charge—usually between $0.01 and $1—to verify the card is real and active. This charge appears and then reverses within a few business days. You won't be charged for adding the card itself, and you can add as many cards as you want.
Once the card is added, you can set it as your default payment method right away, or leave your current card as default and choose the new one only when you want to use it. Klarna will remember both cards for future purchases.
Removing a card or setting a different default
To remove a card, go to your payment methods list, find the card you want to delete, and tap or click the delete or trash icon next to it. Klarna will ask you to confirm. Once you confirm, that card is removed from your account and Klarna won't use it for future purchases.
If the card you're deleting is your default payment method, Klarna will automatically set your oldest remaining card as the new default. You can then change that if you prefer a different card. If you delete all your cards, Klarna will ask you to add a new one before you can make your next purchase.
To change which card is your default without deleting anything, look for a "Set as default" button or option next to the card you want to use. Klarna will use this card for all future purchases unless you choose a different one during checkout.
What happens if your payment method fails
If Klarna tries to charge your card and it declines—because the card is expired, you've hit your credit limit, or the card issuer blocked the charge—Klarna will send you a notification. You then have a window of time (usually several days) to update your payment method or contact your bank to resolve the issue.
If you don't update your payment method and the charge continues to fail, Klarna may suspend your account or refer the debt to a collection agency, depending on the amount owed and how long the payment has been outstanding. The exact timeline varies by region and by Klarna's terms of service in your country.
The fastest way to fix a failed payment is to add a different card to your account and set it as your default, then let Klarna retry the charge. You can also contact your bank to ask why the charge was declined—sometimes a bank blocks a charge because it looks unusual, and the bank can approve it once you confirm it was you.
Changing your payment method during checkout
If you're in the middle of a purchase and want to use a different card than your default, Klarna shows you that option during checkout. Look for a link or button that says "Change payment method" or "Use a different card." Tap it, and Klarna will show you all your saved cards plus the option to add a new one.
Select the card you want to use for this purchase. Klarna will not change your default payment method—it will only use the card you selected for this order. Your default stays the same for future purchases unless you change it in your account settings.
If you add a brand-new card during checkout, Klarna may ask you to verify it with a small test charge before completing your purchase. This can add a few minutes to the checkout process, so if you're in a hurry, it's faster to add the card to your account first, then start a new purchase.
Payment method requirements and what Klarna accepts
Klarna accepts Visa, Mastercard, and American Express cards issued in your country. Some regions also accept debit cards, though Klarna's policies vary by location. You'll need the card to be active and in your name or the name of someone authorized to use it.
Klarna does not accept prepaid cards, gift cards, or virtual card numbers in most cases. If you try to add a card that Klarna doesn't recognize or can't verify, you'll see an error message during the add process. Contact your card issuer if you're unsure whether your card will work.
Your billing address must match what your card issuer has on file. If your address has changed recently, update it with your bank first, then add the card to Klarna. Mismatched addresses are a common reason cards get declined during checkout.
Frequently Asked Questions
Can I use someone else's card as my payment method?
No. Klarna requires the cardholder's name and billing address to match the person making the purchase. If you use someone else's card without their permission, you're committing fraud. If the cardholder disputes the charge, Klarna will investigate and may close your account.
What if I don't have a card and want to use a bank account instead?
Klarna does not currently accept direct bank account transfers or ACH payments in most regions. You must use a debit or credit card. If you don't have a card, some banks offer free debit cards, and some retailers offer prepaid cards that you can load with cash—though check with Klarna first, as prepaid cards are often declined.
Does changing my payment method affect my Klarna credit limit?
No. Your Klarna credit limit is based on your payment history with Klarna and your credit profile, not on which card you use. Changing your payment method does not increase or decrease your limit. If Klarna has declined you for a purchase, it's because you've hit your limit, not because of your payment method.
Can I set up automatic payments with Klarna?
Yes. Klarna automatically charges your default payment method on the due date for each payment in your plan. You don't need to do anything—the charge will go through on its own. If that card fails, Klarna will try again and notify you to update your payment method.
What if I lose my card or it gets stolen?
Contact your card issuer when ready and ask them to cancel the card. Then go into your Klarna account and delete that card from your payment methods. Add a new card to Klarna once your issuer sends you a replacement. Klarna will not charge the old card once your bank has cancelled it.